| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE AUSTIN, TX 78701 | AETNA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 5.16% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE AUSTIN, TX 78701 | BLUECROSS BLUESHIELD OF TEXAS | $4K | $0 | $4K | 9.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | UNKNOWN AUSTIN, TX 78704 | BLUECROSS BLUESHIELD OF TEXAS | $2K | $0 | $2K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | UNKNOWN AUSTIN, TX 78704 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $1K | $1K | 3.59% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HARTFORD LIFE AND ACCIDENT | $830 | $0 | $830 | 15.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 120 | $320K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 135 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 228 | $6K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 120 | $320K |
| Other | HARTFORD LIFE AND ACCIDENT | 228 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.